i crashed my cousins car my license is suspended will his insurance cover this?

Answer 1

Nope. If you were driving with a suspended license, you were driving illegally, and no insurance policy is going to pay for someone else driving your car illegally. Plus you're an idiot for driving with a suspended license.

Answer 2

The answer is *maybe*. It depends on where this happened and what your cousin's policy contract says. Most policies cover losses so long as the driver had the owner's permission to be driving. However, there are some policies who exclude coverage when the operator has a suspended license. So you'll have to check. And if you took the car w/o his permission it won't be covered.

And I must correct the lengthy answer given by another person who said coverage can be denied when the 13 year old kid takes the car. WRONG! Insurance policies define insureds as you, your spouse, and resident relatives of your households. That means, if junior lives with you and hasn't yet gotten his license but takes the vehicle for a ride and has an accident, he's covered and that's it. Let's all look at the family purpose doctrine, shall we? Please believe the insurance people and not the lay people, ok?

Answer 3

Had you been driving his car with his permission the crash would have been covered by his insurance IF (and this is non negotiable) you had been driving with a valid license. However, you do not have a valid license which means that you were driving illegally whether your cousin ok'd it or not. As a result, the insurance company will not touch this claim. If you caused property damage then you and your cousin may be sued. Either way, your cousin is going to be totally p-o'ed with you and family reunions are going to suck for the foreseeable future. On the plus (?) side, your cousin gave you permission and presumably knew that you had a bad driving history (Resulting in license suspension) so he is equally at fault for the loss of his vehicle. Doubt he'll see that though....

I would also like to point out a discrepency in "Ryans" very detailed answer above. With all due respect, Ryan seeems to suggest that being an unlicensed driver is A-ok with the insurance companies as long as you have the policy holders permission to drive the vehicle in question. Okay, that said, what is to stop someone letting their 13 year old kid take the family van down to the kwik-e-mart for chips? (Obviously unlicensed) In Ryan's theory, if the kid totalled the car then everything would be ok because despite being only 13 and unlicensed, the kid had mom's permission. (?) I think we will all agree that this claim would be denied b/c the kid is too young to have a license. What is different in this case? Okay, lets assume the peerson is 22. They still don't have a legal license to drive. Public policy determined that the person asking the above question is not a safe driver and so his/her license has been suspended. He/She knew that and drove again resulting in the total loss of a vehicle. Why would AIG or Farmers agree to pay out a loss on such an avoidable claim? Both the operator and the policyholder were clearly negligent. I fully respect Ryans's obvious expertise on insurance industry terminology and his understanding of how the policy works but I must disagree with his interpretation.

Answer 4

If your cousin gave you permissive use to drive his car, then you would fit the definition of an insured person under his policy by being a permissive user. His insurance company will cover the loss and any resulting damages you may be legally liable for (property damage, injuries). In some states, there may be a step down provision on a permissive user which means the bodily injury limits drop down to whatever the state minimum coverage is where the loss occurred. For instance, if your cousin carries coverage of 100/300 and the state minimum is 25/50, then you would only be covered up to a $25,000 injury loss rather than $100,000.
If the damages you caused exceed your cousin's coverage, you will not have any excess coverage to protect you unless you have a policy of your own to step in secondarily.
If your cousin has liability only coverage and you have a policy on your car with full coverage, your policy may cover his damages subject to your collision deductible but check with your insurance company, preferably with an adjustor rather than your agent. Adjustors know the policy and laws much better.........
For those that claim you're not covered since you didn't have a license, I've never heard of such a thing. That's not to say they're wrong but that would seem to go against public policy and insurance isn't about that. In 10 yrs as an adjustor, I've covered many unlicensed drivers.....as long as the driver is the owner or driving with permission of the owner, insurance will cover a loss....IF YOUR COUSIN REPORTS YOU STOLE THE CAR (as someone suggested above), I GUARANTEE INSURANCE WON'T COVER THE LOSS. Ask yourself: Why would insurance cover damages to a third party if your car was stolen? If reported stolen, they'll cover the damage your cousin's car under comp coverage but will afford no liability coverage to those you may have hit. If reported stolen, you can bet the insurance company will pursue you for any damages they pay out. If not stolen, they can't do that as your an insured person under their policy.
Good luck

Answer 5

I guess u were driving with proper license and after u crashed, ur license was suspended. So you had a valid license when u carshed the car.
Now insurance would pay the repairs of ur friend's car only if he has taken that kind of policy.
If he has simply taken a 3rd party policy(which means only if u hit someone, insurance is paid for that person/vehicle) and not for u/ur vehicle damages. then it would be difficult to get insurance.

Answer 6

No bc ur not a licensed driver. And ur cousins insurance will go way up. Not to mention you getting in trouble for driving with a suspended license. You may want to consult a lawyer.

Answer 7

Nope--- it may have if you had a license. Most insurance company's state that "the car must be operated by a Licensed Driver" If it was stolen by you--yes. But, i figure he cave you permission. He took on the liability that the insurance company will not.

Answer 8

It will probably pay for any damages to innocent third parties, however it will NOT pay for the damage to your cousin's car or for any injuries that you suffered.

This assumes that your cousin gave you permission to drive the car. If your cousin didn't give you permission, they'll be covered if they swear out a complaint for auto theft against you. Of course, that will compound your problems.

Answer 9

If they say you took the car without permission then yes. The insurance will class it as grand theft auto. If however you don't want that headache then no. Either you will be billed for the full amount or your cousin will.

Answer 10

It would depend on his cover, but it is highly *unlikely* that any insurance cover (yours or his) would cover this.

It would be same if you were DUI or drugs. You have a responsibility to be licensed and sober, if you breach those conditions the insurance is normally void.